New York consumer

On June 11th, I received a call at my home from a collection agency in Missouri. They stated that they were calling on behalf of (a phone company) and wanted to collect an outstanding bill due for services rendered. Upon questioning the caller, I soon realized I had been a victim of identity theft. I never lived at the address in question, nor had I ever known anyone who lived at the address. The next day, I contacted the New York State Troopers and Albany, New York, Police Department in an effort to file criminal charges. After filing formal charges, I was advised to contact (the phone company) in an effort to begin clearing my name of this outstanding balance. I left 5 messages with the Fraud Dept, all of which went unanswered. My husband then contacted the President's Hotline for (the phone company), a number provided by a customer service representative. We were then contacted by an 'Escalations Manager' from (the company). We were advised by this person that identity theft is becoming common. When we asked what the process was for establishing a phone line, we were told that a person could establish a phone line using someone else's social security number." (This story posted online on 06/06/05)

Louisiana consumer

"I received a copy of my credit report and in 94 and 96 (a credit card issuer) has me down for having a... card with multiple late payments. I have never had a... card... I did not nor ever have had a card with this company. Either it is identity theft or they messed up somewhere. I want this removed from my record and a letter of apology from this company. Who ever was issued this card was not me. I was denied a credit card from my bank because of this issue." (This story posted online on 05/12/05)

Nevada consumer

"On May 23, 2003 I gave my name, date of birth, social security number and address to (an individual) to run my credit report. Next day he called me and said that I'm qualified to buy a vehicle. I told him that I don't want to buy anything, that's why I didn't sign any applications and didn't give my picture ID. In June of 2002, I received a letter from (a bank) that I have a loan of (over $26,000) and I must make payments on it. I called (the company) and found out that the dealership sold a motorcycle to someone else using my personal information and credit. The other person is not making payments to the bank, and (the bank) ruined my credit report. I went to (the) Metropolitan Police Department on October 12th and filed a report of identity theft. (The) Police Department appointed a detective . . . to investigate this case. I phoned (the dealership) again in March, but (the employee) refused to talk about this case and referred me to (the) dealership manager. After I talked to (the dealership manager) April 2nd and explained the situation, she ended the conversation with the promise take care of it." (This story posted online on 04/25/05)

Pennsylvania consumer

"(The company) alleges an (over $ 17,000) balance on a (bank) credit card. In July of 2000, (the bank) contacted me for suspected identity theft which proved to be the case. The theft of my personal information was reported to multiple credit bureaus and all was resolved until (a collection agency) began to contact me. Today (the collection agency) threatened to put a lien against me. I contacted (the bank) and confirmed that they are aware of the identity theft and they show no open balance associated with my personal information. (The bank) suggested that we contact the Better Business Bureau, because they did not know who (the collection agency) was and were concerned that this was a case of extortion. There is no balance, there will be no payments, I want to receive no more calls, but most importantly, I want my name cleared. Please contact me when this has been resolved. I want my credit restored and no further contact from (the collection agency)." (This story posted online on 04/06/05)

Nevada consumer

"They reported inaccurate information to the credit bureaus and I was trying to get them to clear up my account, as I have been a victim of identity theft. Instead of being willing to help, their agent accused me of lying and tried to 'entrap' me with intimidation, leading questions and 'bullying' techniques over the phone. He refuted the evidence that I had faxed to him and was, overall, incredibly rude. He did not have complete information and was trying to make me admit to criminal activity! I was shocked at his behavior and told him so. I also told him that I expected better and would report his company to the BBB. He said, 'Oh, I'm really scared!' and continued to be offensive in his tone and accusations. I am already traumatized by the damage inflicted upon my character and credit as a result of having my ID stolen two years ago. I have had to deal with some very ugly phone calls accusing me of illegal activity and now this! It was neither professional nor efficient. I understand that collection agencies must do their job and collect; however, what ever happened to professional courtesy and innocent before proven guilty?" (This story posted online on 03/28/05)

North Carolina consumer

"Within the last month I have received correspondence from (a bank) telling my wife about her account. My wife has dementia and does not have the mental capacity to open an account. I have contacted (the bank's) customer service by phone on two different occasions and once by writing. Each time they said they would correct the problem. This last time, I was totally blown off and hung up on. I believe my wife may be a victim of identity theft for which (the bank) must take some responsibility. I need this matter corrected, and her name removed from any (bank) account." (This story posted online on 03/15/05)

Florida consumer

"...I have been involved in a identity theft case. My name has been used by (another person) to obtain several credit cards. I have been able to work with the people involved in this matter. (One bank) cleared me of the debt because I proved that the application submitted to obtain credit was not sent in by me. This lady used the wrong social security number, and forged my signature. (The account) has been closed and no more purchases (have) been made on this account. (A gasoline company credit card) has been notified of the fraudulent use of a credit card. My existing problem is with (a bank). They continue calling me to harass me and to threaten me and force me to pay this debt that is not mine. I have copies of (the bank), as well as a copy of the application of credit submitted by this lady to (the bank), using a wrong social security number, wrong maiden name, and forg(ing) my signature. The last I heard of this lady, she was arrested in (Florida) and transported to the state of New Jersey. This situation is really jeopardizing my credit, and I would like to resolve this as quickly as possible." (This story posted online on 03/07/05)

Tennessee consumer

"I have been contacted by this collection agency numerous times on all hours of the morning as well as on Sundays. I am being harassed about an unpaid debt that does not belong to me. I have notified the company that the account was opened fraudulently and that the name on the account does not belong to anyone in my household, however they continue to call asking for this person. I have filed a complaint of identity theft with my local police department and have notified all three major credit bureaus for a fraud alert. Client Services has been rude and insulting to me over the phone and has used foul and degrading language. I have tried to complain to a supervisor, however they fail to take any action in my favor. I have offered to give them the name of the Police Department to contact for further information about the person they are looking for, yet they refuse. They insist that I must fax them this info. I cannot afford to pay for the faxing of documents and long distance calls every time a debt collector calls me asking for the wrong person. I have not opened an account with this company, nor have I ever done business with them. . . I would like the company reprimanded for its behavior and business tactics as well as the phone calls and harassment to cease." (This story posted online on 02/07/05)

Illinois consumer

"On May 8th, I received a letter from (a credit card company) in which they said my... account had been closed as of May 4, the same day the letter was dated. They said it was due to negative information on a... credit report. I received no notification from them prior to their decision. The negative information appeared, because I have been a victim of identity theft, and this was clearly noted on my report as of April 7. I learned about the problem just the week before that. A formal dispute was filed with (the credit reporting agency) on April 18. (The credit card company) said I had only 30 days from the date of their letter to send an updated report and clear everything up, even though the dispute process generally takes longer than this, and that only after the credit report has been received. When (the credit reporting agency) sent me a new report, all the accounts I disputed had been deleted, but another one has appeared that is also identity theft. We are now working through that case. Police reports have been filed on this account and on one other we discovered earlier. I explained all this to (the credit card company) - with whom I've had an account for 11 years, with no late payments" (This story posted online on 01/25/05)

Ohio consumer

"Following is a copy of the letter I sent to (a phone company) on 4/30/03. I have cancelled service for my above referenced account because I no longer wish to do business with (this company). In February of this year someone stole my checking account information and used it to pay two SBC bills over the phone. (The company) accepted both payments, indicating that (its) payment system does not require verifying the information provided over the phone. I am appalled that payments can be made over the phone with just a routing and checking account number. This information can be easily obtained, and with the increase of identity theft and stolen credit cards, businesses... have become 'accomplices' by providing yet another way for criminals to victimize persons such as myself. To make matters worse, (the company) has been issued two subpoenas by the... Police Department, both of which have not been answered. I do not understand why (the company is) not able to provide the police with the necessary information." (This story posted online on 10/15/04)

Florida consumer

"Letter received on January 28th informing us we owed $770.00 to (a cell phone company) for cell phones we do not have...someone took out an account using my wife's soc(ial) sec(urity) #...identity theft! Letter from (the collection agency) was unsigned and contained errors in name, zip code and address. (The collection company) evidently made no effort to determine if my wife actually opened such an account. Account opened in Kansas... zip code, etc of account indicates a person in (a town in) Kansas executed a contract using the soc sec # of my wife. How that was obtained, we don't know. Problems are: 1) unsigned letter demanding payment of large sum of money, 2) no background check made on our name, address, zip code, 3) phone conversation led my wife to feel she was 'guilty until proven innocent', 4) reported to credit bureaus prematurely. We have notified (the) local Sheriff in . . . Florida and filed a report of identity theft. My wife has never been to Kansas. We had cell phones thru (a different cell phone carrier) at the time of this letter from (the credit bureau). The letter was postmarked January 21st from New York. My training was to disregard unsigned letters.... but this is identity theft and places my wife's soc(ial) sec(urity) account in jeo(pardy)" (This story posted online on 10/11/04)

Illinois consumer

"I am the victim of identity theft and I would like to send this complaint to the BBB regarding First Premier Bank. A couple of months ago a criminal opened a credit card under my name, SSN and birth date at (a bank) and used the card illegally. I found out that this happened, because I received a letter from (a gasoline credit card issuer) that this criminal was also trying to do the same. I received my credit reports and immediately called (the bank) to have the account closed. I also sent a letter requesting that I get written verification from (the bank) that the account was closed. My reason for this complaint is that I have never received verification from (the bank) and it has been over 3 months. I have made numerous telephone calls and was promised not only verification but a fraud affidavit. On one call to (the bank), I was talking with a 'supervisor' who insisted on having my (social security number). I told her that I was the victim of identity fraud and she told me that she could not even tell me if the account was closed unless I gave that number. The other credit card companies that the criminal opened accounts with were very helpful to me." (This story posted online on 09/27/04)

Kentucky consumer

"My 9 year old daughter was a victim of identity theft through this organization. Someone used my daughter's Social Security Number to obtain unauthorized utilities in her name. (The) utility was unwilling to assist in my daughter's case in bringing the perpetrator to justice. The (utility company) informed me that they do not run checks on identification showed to them to ensure validity. The (utility company) informed me that it is easier and cheaper to write off utility losses than to investigate and prosecute cases of utility fraud/identity theft. I feel that this exemplifies poor public security and displays an ineptness towards individuals rights. My daughter was a victim and I am sure there are many more that will be victimized as long as companies refuse to stand up for laws that protect us." (This story posted online on 09/22/04)

Missouri consumer

"A computer was purchased illegally using my name, date of birth, and social security number. (A detective) from the Minneapolis Police and (a detective) from the Kansas City Police filed identity theft reports and initiated investigations. (One of the detectives and) I contacted (the computer company) numerous times for serial and model numbers of the computer delivered to residents in Minneapolis. A warrant will be issued for the arrest of the thieves if this information is provided. (The computer company's) Fraud Department has not fully cooperated in giving correct information. I am planning to file a lawsuit against (the computer company) for obstructing this investigation. Also, I will contact the Attorney General's Office in (a third state) for an investigation. It is very suspicious that (the computer company) refuses to assist. Perhaps, a (company) employee or department is attempting to cover up some questionable practices." (This story posted online on 09/07/04)

New York consumer

"I am contacting you to advise you that (a local utility) opened an account via telephone to someone using my name, social security number and address in a county (in which) I never lived. I contacted them about their practices and I was told 'too bad' That's they way they do it. The have reported a collection amount of $651.00 on my credit report - I never opened the account I am a victim of identity theft and I know who did it. I even told them this. They have not responded to my two (2) letters. They have no right to open an account via telephone without knowing who they are dealing with and when they are not paid, that's when they report it. I know who stole my social security number and date of birth and told them who it was and the address. I even told them I live in (another county) for 15 years and they did not care. They have no right to report a collection on my credit report. I believe this company should change their practices so people like me do not get hurt. They have nothing in writing opening this account fraudulently. I want them to take action against the person who did this." (This story posted online on 08/30/04)

Oklahoma consumer

"About 4 years ago I was the victim of identity theft. I was finally able to take care of this through police reports, hand writing samples and proof that I was in college at the time. (A retail store) promptly took care of this problem. I thought that was the end of that long ordeal. However, it appears that I was wrong. I have an account that is not mine showing on my credit report. I was purchasing a new car and asked (a credit reporting agency) to update my listing on my paid off (retail store) account. (The retail store) added another account in addition to mine. I have two accounts that are now listed under my name. The first has a perfect credit history and is paid in full. The first one is my account. The second is listed as an installment account with a zero balance, 120 days past due and 6 times late. This is NOT my account. I have never had an installment account with this company. I have spoken to many representatives from the company and have been told numerous times that this would come off and I would get a letter in the mail. However, it never seems to happen... I simply want a letter to be written and sent to me that the installment account... is erroneous and will be deleted. It is a simple outcome that I have been promised numerous times." (This story posted online on 08/23/04)

Ohio consumer

"When trying to obtain a telephone in my name I was told by (the company) that I could not (obtain one), because my social security number was being used by someone else. The...corporation allowed someone to obtain a phone using my social security number. They never checked to see if it was accurate and when I tried to obtain a phone using my telephone number I could not and was told I have to prove that I was who I said I was, because that social security number was already in use. Identity theft." (This story posted online on 08/17/04)

Maryland consumer

"On January 29, 2003, I contacted (with a company), the creditor who is damaging my credit, via telephone. The purpose of this contact was to request an official copy of the contract I had allegedly signed with the original creditor with a balance of $4144.00 of bad debt. I explained to the aforementioned organization that I believed that the account in question (account number) was in fact not mine for I believed I was a victim of identity theft, which was damaging my overall credit rating. Another occurrence of this theft occurred in one of my bank accounts, where I had to close the account due to this illegal activity, hence the reason for the requested documents. The only documents received, to date, from (the company) were bills requesting payment. (The company) responded by stating that billing statements containing my Name and Address and/or Social Security Number, were the only documents they could provide me. Official Copies of Signed Contracts from (the original creditor) were unavailable." (This story posted online on 08/09/04)

Michigan consumer

"(A bank) opened a (credit card) in my name based on a fraudulent application by my ex-wife who has admitted to this. Repeated attempts have been made for (the bank) to supply a copy of the fraudulent application since January, so that I can file a police report, as directed by (the bank)'s attorney, and they can prosecute my ex-wife for collection of the debt. After 3 months, I still have no copy of the application and cannot file a police report without it. This is damaging my otherwise unflawed credit, and is causing me financial harm. It is my belief that in spite of disputes to (credit reporting agencies) and fraud statements added to my credit report, (the bank) is withholding the application copy, because they realize it was not made by me. Yet they continue to report it as a charge off and have filed a lawsuit. I only want to prove that I am a victim of fraud identity theft. Please help." (This story posted online on 07/29/04)

From Oklahoma consumer:

"I have been a victim of identity theft. I have made REPEATED requests (both to the bank's Fraud Department and Executive Offices)... to release the fraudulent credit applications to me OR to the local sheriff. I get only FORM LETTERS in response that do not meet my requests. I was assured an investigator would be assigned to my case. This has not happened and it has been nearly 60 days since I reported the fraud. I have promptly returned all the documentation... requested of me. I have gotten essentially no response or assistance from their fraud investigators. (The bank) is inhibiting my ability to clear my name, credit, and to prosecute the imposters." (This story posted online on 07/19/04)

From Texas consumer:

"(A collection agency) is currently collecting on an account which was opened as a result of fraud. I have sent (the collection agency) 2 letters, and a copy of a Police Report, Fraud Affidavit, and proof that the account can in NO WAY BE MINE (the account was for an apartment which I never lived at, and I sent copies of my drivers license and bank statements as proof that I have never lived there.) I have sent the Police Report and other stuff TWICE. (The collection agency) has so far refused to investigate my affidavit, contact the... Police Department, or do anything other than say that 'The debt is yours' even though I have gone through all of the FTC-mandated measures to show that the debt is the result of identity theft. I have given (the collection agency) ample time to try to resolve this issue, and they have so far refused. It has been over six months since I first reported this to them, and they have taken NO ACTION to correct this. Other creditors whom this identity thief opened accounts with have taken the corrective action, and there is no reason why (this collection agency) should not. They are not even responding to my letters anymore. I would like (the collection agency) to delete this item from my credit reports and cease collection. They need to follow the Identity Theft affidavit's procedure for dealing with this." (This story posted online on 06/28/04)

From Maryland consumer:

"I was a victim of identity theft on this account. I filed several affidavits of fraud on this account. Someone stole my information and started ordering goods and services on the Internet. I filed an affidavit of fraud when I noticed something on my statement. On some occasions, the bank told me it was too late to do anything about the theft from my account I finally closed the account then the bank reported to (anther company). I have been problem free until I became a victim of identity theft. The problem with identity theft began on the account around November 2001 and continued until March 2002 when (the) account was closed." (This story posted online on 06/23/04)

From Pennsylvania consumer:

"This Account is a fraudulent account. I have never lived at the addresses associated with this account. I never opened this account or authorized anyone to open it in my name. This is a case of identity theft. During the time period of this account I was living in (another area of the state) under state parole supervision. I had a credit report run when I was trying to purchase a home for my family; this account showed on my credit report. I contacted the company and their response was that they used a telephonic id check and that I am responsible. You can't positively verify someone's ID over the phone. Any male who finds my personal information can (and obviously did) pass a telephonic id check. I have asked them to provide me with proof of the person's identity. While this fraudulent account remains on my credit report I can not provide myself and my family with a home. Any help you can provide me with on this issue would be greatly appreciated." (This story posted online on 06/15/04)

From Texas consumer:

"On May 27, I received a letter from (a phone company) stating that they had closed my account due to unpaid accounts with other creditors. After researching the situation, I determined that I was a victim of identity theft. Specifically, someone used my social security number to get a credit card with (a bank), did not payoff the balance, and the fraudulent account has been sold to a collection agency. This fraudulent action has taken my credit rating from 100% to 30%. I am in the process of cleaning up my credit report, and I have a police report and FTC identity theft report case number. I called (the phone company) back and told them the situation, offering to fax/mail the police report, etc. They said sorry. It is my responsibility to send them an updated credit report in 30 days. I have several major issues with their response: (1) It is my understanding that it takes 30-60 (days) MINIMUM to resolve an issue like this; (2) I have always paid them on time; (3) Otherwise, I have impeccable credit; (4) My other credit cards, whom I contacted, where sympathetic to my plight, noted it on my account, and told me not to worry. (One credit card company) even told me to call the FTC and gave me the number." (This story posted online on 06/07/04)

From Florida consumer:

"I am writing a complaint to a creditor for reporting inaccurate information on my credit file. I have noticed an account on my credit report from (a mail order credit account). When I contacted the creditor they informed me that an account was opened over the phone and the merchandise shipped to (an address in Florida). I have never lived at this address, and I am requesting proof of the alleged debt, including specifically the alleged contract, or instrument bearing my signature. I have filed a complaint with the Federal Trade Commission, and plan on pursing the matter further. I informed them that identity theft is illegal, and I share the same or similar name with a family member. The (agency) does not have proof of the debt, only a social security number listed in their databases when they supposedly verified the information" (This story posted online on 06/01/04)

From Colorado consumer:

"On April 3, I answered a newspaper ad in (for a financial services company). Two weeks later, I was called back by another financial services company and told I was approved for a $200,000 loan. The (second company) sent me my loan agreement. I signed and faxed it back, and they asked that I wire my security deposit (of $3,500) to my lender in Canada. I did so and never received my loan like my contract says is going to happen. I contacted (the first financial company) who... said that he had contacted the lender and the funds were ready to be transferred into my bank account. I waited six hours and (received) nothing. I then contacted (the first company) again and they said that the lender wanted another $4,000 from me. I told him 'no', that is not what my contract says and (I) demanded that my money be returned to me. He said that that would be fine, but it would be 14 days. I have called (the company) on several occasions and cannot get anyone to return my call. When they find out it is me -- or someone who is representing me -- they hang up. In talking to the attorney general here they say it is all a scam out of Canada. I have since... had to put a fraud alert on all of (the) credit bureaus as well as file (an) identity theft alert." (This story posted online on 05/17/04)

From Florida consumer:

"...I have been involved in a identity theft case. My name has been used by (another person) to obtain several credit cards. I have been able to work with the people involved in this matter. (One bank) cleared me of the debt because I proved that the application submitted to obtain credit was not sent in by me. This lady used the wrong social security number, and forged my signature. (The account) has been closed and no more purchases (have) been made on this account. (A gasoline company credit card) has been notified of the fraudulent use of a credit card. My existing problem is with (a bank). They continue calling me to harass me and to threaten me and force me to pay this debt that is not mine. I have copies of (the bank), as well as a copy of the application of credit submitted by this lady to (the bank), using a wrong social security number, wrong maiden name, and forg(ing) my signature. The last I heard of this lady, she was arrested in (Florida) and transported to the state of New Jersey. This situation is really jeopardizing my credit, and I would like to resolve this as quickly as possible." (This story posted online on 05/10/04)

From California consumer:

"In 2001, I received a credit report listing (a credit card company) as a creditor. I have never had an account with (this company) and called their credit office. I spoke with a (representative) who said the problem would be resolved. I also had a police report taken for identity theft. While checking on car loan rates through (an Internet lending company), I was rejected for a quote due to an outstanding debt with (the credit card company). I contacted a (credit card company representative)... and advised her that the account was not mine and that I had notified them in 2001. I received a letter from (a representative) along with an affidavit of fraud. I filled out the paperwork and sent it express mail. My receipt shows that they received it on (three days later). I'm currently in the process of refinancing my house and the credit card account is still showing as a derogatory remark on my credit report. I attempted to contact (the credit card company), along with the loan company on a conference call. (The credit card company) gave both of us the run-a-round, transferring to 3 different departments. We never got through to the person handling the fraud. The business practices of (the credit card company) are despicable, they have never called back to explain the status. I want this mark removed from my credit report immediately." (This story posted online on 05/03/04)

From Virginia consumer:

"In April I was the victim of identity theft; fraudulent checks were written using my name and address, but with a fictitious account in a bank I have no account in. (A check service) contacted me in May in an attempt to collect on one of the fraudulent checks. I advised them of the situation, and provided a notarized fraud affidavit, and copies of the police report and my driver's license. I mailed this info to them via Certified Mail, Return Receipt. (The check service) signed (for these). I have since received two additional letters demanding payment from me; after the first I again wrote and explained that I was being victimized by an identity thief, referred to my previous letter, asked (the company) to stop harassing me, since they clearly knew I was not the person who had written the check in question, and again sent the letter via Certified Mail, Return Receipt. I also hold that receipt. Today I received a third 'Final Notice' from (the company) which again ignores all previous information I provided to them. They have never provided a name with whom to correspond, and my phone calls result in being placed on hold for several minutes . . . I wish (the company) to immediately cease their efforts to collect money from me which I do not owe, to acknowledge their error, and to assure me in writing that they have done nothing already, nor will they do anything in the future, to adversely affect my credit rating. Although I don't expect to get this, based on their behavior to date, I would like to see a written apology from a responsible company officer for the harassment, time and expense they've put me through." (This story posted online on 04/26/04)

From Ohio consumer reported:

"My mother was recently contacted at her home by a representative of (a collection agency) for (a wireless company). This representative was extremely rude and condescending to my mother in addition to making several violations of the Fair Debt Collection Practices Act, which may result in legal action by myself. Upon learning of this call, I was able to determine that someone had fraudulently opened an account in my name with (the cell phone company). I have recently been the victim of identity theft and this is the fourth such account opened in my name in the past seven months. I have made several efforts to discuss this situation with the (the cell phone company)'s Fraud Department, but have been refused the opportunity to speak with them. Not only will the customer Service Department not allow me to speak with the Fraud Department, they refuse to forward a Fraud Investigation Packet to me. During one phone call a Customer Service manager hung up on me. I am terribly disturbed by their lack of assistance. (The company) has allowed someone to fraudulently open an account in my name and has allowed this to appear on my credit report, but (the company refuses to assist me." (This story posted online on 04/19/04)

From a Michigan consumer:

"On my May 2002 bank statement there was a $96.00 charge to (a company). I had no idea what this could have been nor did my financial institution. I conducted my own investigation on the Internet and found a website filled with others complaints about the companies charges. Apparently if you purchase anything over the phone or internet this company buys your information (name, address, and credit card number!) from the original company, then tries to tell you that you agreed to become a 'member' and received a membership packet with coupons for haircuts from them. Which I did not. Isn't this illegal, some type of fraud and or identity theft?" (This story posted online on 04/12/04)

From a South Carolina consumer:

"(In) July 2001, I was the victim of identity theft. Six fraudulent applications were submitted to various credit card companies, and two fraudulent accounts were actually opened - (a bank) and (a wireless company). The (wireless company) issue was quickly resolved. By the time I was alerted that applications were being obtained in my name -- another card issuer) called to verify information with me prior to issuing a card - (the bank) had issued an account and authorized purchases. I contacted (the bank) - who was given to me by the Credit Bureau (as one of the six applications made) -- to notify them that the account was obtained fraudulently. I was transferred to the Fraud division, reported the incident, and thought the matter resolved. In 2002, I began to receive calls from two collection agencies regarding this account. In order to try and resolve this matter, we have for the past two years attempted to communicate with (the bank), to no avail. We have provided the following documents to (the bank) and (the two collection agencies) 1. Letter of explanation that this is a fraudulent account; 2. Copy of the filed police report detailing identity theft; 3. Notarized affidavit. I would like written communication from (the bank) that this matter is resolved, and I am not responsible for this debt. I want this account closed, and no future accounts opened by this company using any of my personal information. I would like confirmation that my credit report has been cleared of this matter. Thank you." (This story posted online on 04/05/04)

From an Illinois consumer:

"A major retail store places an unstaffed kiosk in its store where customers can apply for and receive in-store credit instantly and automatically; someone did this in my name at a store in (Illinois) last December and racked up $850 in debt, which I only discovered last week when a collection agency tracked me down. I am filing a police report and have reported this to all 3 credit bureaus, but the ease and simplicity with which the credit was approved is just appalling. Consumers do not have to provide ID, as the kiosk is not staffed, and the information they supply is not verified. I do not know what interest rate is applied, but I can only imagine it is phenomenally high, as this practice would obviously make the scheme profitable for (the retail store). When I called the store on July 25th, I was told that no one in the store could give me any information about the kiosk. I then called (the retail store's) credit card agency... and spoke with a representative... who assured me that they would clear this debt from my record, but who also admitted that there are huge problems with the kiosks." (This story posted online on 03/29/04)

From a Texas consumer:

"(A wireless company) sold a cell phone to a person who stole my social security number. The phone was delivered to an address in (another town in Texas) and I later received a collection letter from (a collection agency) saying that I owed (over $200) for a cell phone that I NEVER ordered or received. Now the collection agency has moved this item to my credit report and it is affecting my credit status. I have called (the wireless company) and they said it is out of their hands now and I must deal with the collection agency. The collection agency will not work with me. (The wireless company) sent this phone to an unauthorized person without checking their identification and I am having to go through a tremendous hassle to get my credit cleared. (The wireless company) needs to remove this bill from my name immediately. I have filed a police report and an identity theft affidavit. I have an excellent credit rating and I resent the fact that (the wireless company) mails out phones to anyone over the phone with a social security number without verification. I want this debt . . . that I did not create with (the wireless company) cleared from all credit reporting agencies . . . I also want a letter from Sprint acknowledging that it has been cleared from my credit reports and an explanation of how this happened without my consent." (This story posted online on 03/22/04)

From a New York consumer:

"In Jan 2003, I became the victim of identity theft. My credit card and social security number were stolen off of the Internet. My card balance has never been higher than $900 and suddenly over $9000 in charges appeared. I disputed the charges with (the bank) and they find in my favor. As a precaution, I filed with all 3 credit bureaus and put a flag on my card account. The majority of fraudulent charges against me were for calling cards. All of these companies knew that the charges were disputed; thus, they took up their billing issues directly with my card company. I have not gotten 1 phone call or letter from these companies. However, (one company) completely refused to deal with (the bank) and instead proceeded to continually harass me directly in the hopes of receiving their money. They sent numerous letters and phone messages heartening to send my personal information to a collection agency and forever scar my credit report if I do not pay them immediately. I tried on several occasions to explain what they already knew--that the charges were disputed with the card company. I explained that my card and SS# were stolen." (This story posted online on 03/15/04)

From a North Carolina consumer:

"My ex-husband used my name and my (social security number) to get a (credit) card and charged almost $4,000 on this card. Now, (the bank) has hired an attorney to come after me for this money! I have never had a (credit card) through (this bank)... that (bank) is who (my ex-husband) banks with! I have had to hire an attorney to go after him for credit card fraud and identity theft! I have been asking since March 15, 2003 for a copy of this credit card application and nobody seems to know what... they are doing! My attorney, along with the police, need a copy of this credit card application to press charges against him! Can someone help me with this please????" (This story posted online on 03/08/04)

From an Indiana consumer:

"I was a victim of identity theft/credit card fraud. Someone that I do not know set up an (Internet) account using my credit card information. Total charges to my card amounted to $373 before I discovered what was going on. (The Internet service provider's) customer service told me that the person never even used or accessed the account in any way for some reason. I have only been reimbursed $87. A customer service person told me that in order to receive the remaining $285 that I would have to go through (the) fraud investigation department--contacting them and telling them all that happened. I did just that. I haven't heard back ever since then. After many attempts to contact the . . . fraud department by email to inquire of the status of the investigation, my emails go unanswered. I was told by another . . . customer service person that (the Internet service provider) is legally responsible for responding to my request of wanting to know how the investigation is going and when I could expect a response from them regarding the remaining reimbursement of $285 that is due me. I have not heard from them at all--no emails, no letters, nothing." (This story posted online on 03/01/04)

From a Virginia consumer:

"In 1999, I received a letter of credit denial from a place I'd never been. When I contacted the credit bureau I found that I had been the victim of identity theft. (One creditor) was on my report, so I contacted them and vehemently instructed them NOT to open this account under any circumstances and to notify me at once if someone tried to make purchases in my name. I was very clear in explaining my situation and the fraud. Now, almost 3 years later, in applying for an equity line of credit, I find that not only is this account STILL open, but has had over $600 in charges in addition to fees, totaling more than $800. This situation has been next to impossible to correct with credit bureaus, and has adversely affected my credit score. IN FIVE DAYS OF TELEPHONE CALLS, (the creditor) HAS NOT BEEN ABLE TO PRODUCE THE CONTRACT! They have not been cooperative in helping me, and my credit has been perfect aside from this. I would like to see the contract if they have sent the fraudulent account to collections in my name. I would also like to know what kind of business liberally hands out credit without the first shred of identification. I want any and all adverse credit deleted from my report at once. I want a letter of apology and explanation from the store, and I want letters to any creditor that I choose to have dealings with that this has been a gross error on the part of (the creditor). I want these things in writing, in addition to a written agreement that the company will write to and correct the credit problem along with the correspondence for same." (This story posted online on 02/25/04)

From an Ohio consumer:

"I was a victim of identity theft. And the bottom line is I have done everything (the bank) required to have this derogatory information removed from my credit report and it still has not been done. This has been going on since October 2002. I recently learned that my request was denied because a payment was made on the account. The payment they are referring to was a $3.00 payment made to obtain a copy of the original credit application. I call (the bank) weekly to clear this up only to be transferred to at least 4-5 people per call, be disconnected a few times, and to be treated so rude. One comment that we made when I questioned the payment made was 'oh, what your telling me is the checking account is a fraud too'. All I want is this messed cleared up and I have gotten NOWHERE is talking to them. They are rude and no one seems to know anything. They tell you they will call you back, and they don't even ask for your telephone number, I give it to them, and they never call back. They still have not sent me the application I requested, nor a reason for the denial. I learned it all by calling them. Being a victim of identity theft is a horrible." (This story posted online on 02/17/04)

From an Oregon consumer:

"On May 12th 2002 I contacted (a bank) in regards to a fraudulent credit card issued under my stolen social security number. There was a balance of (over $13,000). I spoke with several representatives about the matter and I was informed that the only correct information on the fraudulent account was my social security number. My name, date of birth and my address were incorrect, yet they still issued the credit card. I was told to file an identity theft report and to contact the 3 credit bureaus and report fraud activity. I also filed a police report and a report with the Federal Trade Commission. I called (the) bank again on June 4th to make sure that the account had been cleared. I was informed that the account was not considered a fraud case, because they said that the social security number was correct and they filed it as a typing mistake even though I was informed on May 12th that it was definitely a fraud account as the only correct information was my social security number and the activity on the account was considered suspicious activity (large payments were deposited into the fraud account then transferred out to other accounts). I would like (the) bank to remove the fraudulent account from my credit report and from their records. And I would like a document from (the) bank that states that I am no longer responsible for the amount on the fraudulent account, because the person on the account is not me. They should not issue credit cards to people without first making sure that the social security number matches their name." (This story posted online on 02/09/04)

From a New Jersey consumer:

"This person has used my home address to open a (credit card) corporate account. I have received bills and solicitation for (another business) since Feb. 2002. This company exists at another address. This fraud(ulent) use of my address may be associated with my recent.. identity theft which started in 4/13/02. I have also filed a complaint with the United State Postal Service for fraud usage of a resident address." (This story posted online on 02/02/04)

From an Iowa consumer:

"A sales person who identified herself as a 'manager' and who was working in the return sales area was presented a check for payment of merchandise. She asked for my social security number, and I told her I did not want my number in the store system. I offered to give her the 'audit number' on my driver license instead. She refused to complete the sale without a social security number. I left the store without the merchandise. My concern is about IDENTITY THEFT. Anyone with a social security number, bank account number, etc. is well armed to steal a person's identity. I think that the practice of requiring social security numbers for store sales transactions is an unnecessary misuse of a social security number and an invitation to identity theft problems! This problem occurred on August 12th at approximately one PM." (This story posted online on 01/26/04)

From a Georgia consumer:

"I received a piece of mail from (a credit card) thanking me for 'your recent application for a credit card issued through (a bank). They were requesting that I send them a copy of my social security card, driver's license and school ID. I did not submit an application. Further, when I called they stated that they did not have any information on me that would indicate an application had been filed. Had I been stupid enough to send the information requested they could have easily perpetrated identity fraud with the information. They said they are looking for college students through this mailing. Fortunately I am a middle aged college student and know better. At the very least they lied in their letter to me about the application, and at the worst, they may be an 'identity theft ring'. I don't know what can be done about these people, but I had to write to someone." (This story posted online on 01/20/04)

From a Florida consumer:

"My identity was stolen without my knowledge. I received a bill from (a hospital) in April for (March 2003). I called to tell (the hospital) that it was not me, and they said they would send an itemized bill for me to dispute. They denied any information to me or my insurance company. I did not receive the statements. I kept receiving collection calls. I called them again in May to say the services were not mine, and they informed me that the person used my identity to gain services a second time -- making this a total of 4 visits and (over) $14,000. I then went to the hospital, and got the itemized bills myself. I then went to medical records, and they identified the person was not me and 'flagged' my records. I then received another bill stating 'final notice' after (the hospital) said it wasn't me. I then received another collection call from (the hospital) after they say it is not me. I then have to speak to (another person) who stated they are sorry and I should not receive any more bills or calls. I am tired of having to put up with identity theft. I had to get a police report and also file harassment charges with (the hospital) billing office." (This story posted online on 01/12/04)

From a Colorado consumer:

"I contacted (a financial service company) by phone regarding a case of fraud/identity theft in December 2002. Purchases totaling (nearly $5,000) were charged in my name without my knowledge. Per (the financial service company's) instructions, I also faxed my request/complaint to (a credit reporting agency) to investigate the matter and remove the charges from my credit record. I was told I would receive some acknowledgement or response in 3-5 business days. Despite calling again twice... I have neither received a response nor was anyone willing to help me resolve this issue. I was told... that I would at least receive a response in 3-5 days both times. This issue is still outstanding and remains on my credit record. I have not been able to resolve this situation in a timely fashion despite my repeated efforts. There have been no attempts by the company to inform or help me in these matters... I have repeatedly asked to speak with someone perhaps a manager) regarding the matter and (have been) refused and even hung up on. To this date, I have received no explanation as to how these charges may have originated and what can be done about them." (This story posted online on 01/05/04)

From a California consumer:

"I am the victim of identity theft. I received a bill in the amount of $382.32 on 4/8/03. I contacted (the cell phone company) and the first customer service rep hung up on me. I called back and reported the fraud and was advised to go to (the store) where the phones were purchased to report the fraud. I did so on that day and was advised by (a customer service representative) that someone from the fraud department would be calling me within 48 hours. I received a confirmation number... I was advised that the 5 phone lines taken out in my name would immediately be disconnected. I called the numbers (a week later)... and they were still in service. I called (the cell phone company)... and spoke with (a representative)... She advised that there was no record that I had reported the fraudulent activity. She took my information again and advised the fraud department would contact me within 48 hours. She refused to give me a confirmation number. To date, I have heard from (any) one and the phone lines are still in service. I am extremely frustrated as I have received no assistance from (the company) and I can only assume that the fraudulent charges are continuing to be incurred... I would like the phone service disconnected and an explanation as to why (the company) opened a fraudulent account." (This story posted online on 12/29/03)

From an Arizona consumer:

"My identity was used at various video locations . . . to obtain video and game equipment as well as movie videos without my knowledge or consent. There were two unknown and unauthorized individuals who were added to my membership without my consent. Once added, they were able to obtain membership at multiple stores in . . . Arizona. They proceeded to charge equipment, . . . games and movies which they never returned. Based on my conversations with these stores, I believe an employee is probably behind this theft. I know of six locations where my account had been turned over for collection. I was advised to close personal credit cards because this info was included from (my) initial membership application. (The video store) should require more restrictive policies for obtaining or adding on to memberships. They should also be sure that this information is secure and available only to employees who require this information to complete their job. They should be more responsive to complaints and follow up on action that they claim they will take to resolve the identity theft issues. . .I would like my . . . complaint available to other consumers who may experience or may want to avoid experiencing identity theft issues. I would like (the company) to know that this complaint has been filed" (This story posted online on 12/22/03)

From a Virginia consumer:

In October 2903, I was a victim of identity theft. An unauthorized person... used my... credit card number to purchase items in the total amount of $1,326.54 - in 9 days. My card was in my wallet the entire time. We do not know for sure how the number was appropriated - I do buy things on-line and I am sure there is a carbon-copy of my... card floating around from a restaurant or something. It seems that (the merchant) and (the credit card issuer) figured it out (the fraud) independently but on the same day. They apparently have a computer system to recognize unusual purchases... (the credit card issuer) left a message on my home phone - but I was at work - (that) they had cancelled the account. (The merchant) e-mailed me at work - they had my e-mail and credit card on file because I had purchased thru them before. I am guessing that someone was trying to make a very large purchase that tipped both (the credit card issuer) and (the merchant) off to double check... Regarding the (hotel) charge, (the credit card issuer) was able to trace it and said that the hotel in question is supposed to double check but they did not. What an easy way for fraud!! They never asked to see the credit card that was paying the bill! (The credit card issuer) was great - credited our account ASAP and did not grill us on the charges. (This story posted online on 12/15/03)

From an Alabama consumer:

"I have called this company numerous times because they have inaccurately reported an account that I have never had. I have had one account with them... and that's it. I have asked them to provide all contracts or signed credit agreements to the disputed account, yet they say it's to old. I have contacted them each year over the past year and I am told the account is mine with no proof (and that I... must mail correspondence to (their Florida address), which I have done over 40 times to no avail. They now tell me (a) collection agency holds the account, yet this company can't provide any information either so what am I to do? I have filed a complaint with the FTC and now the BBB yet... they continue to report this information knowing I have been a victim of Identity theft in the past. This is either fraudulent activity or inaccurate reporting by (my) bank. I need help. Thanks for your help in advance." (This story posted online on 12/9/03)